The Peoples Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 54.3% in Q2 2026, from $7.5M to $3.4M. It was the largest change from Q1 2026 among the key lines here. The Peoples Bank ranks 139th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 57.97% (Q2 2026). The Peoples Bank reported 57.97% on loan-to-deposit ratio for Q2 2026, 9.66 points below the 67.62% median for banks in the < $100M asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $27.7M |
| Fed funds sold and reverse repos | $1.9M |
| Fed funds sold and reverse repos to assets | 3.11% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.97% |
| Net loans and leases to deposits | 57.54% |
| Loans and leases to core deposits | 59.89% |
| Core deposits to total deposits | 96.79% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 61.94% | 92.85% | $478K | $0 |
| Q4 2023 | 63.05% | 92.62% | $81K | $0 |
| Q1 2024 | 58.81% | 92.65% | $0 | $0 |
| Q2 2024 | 58.93% | 92.63% | $0 | $0 |
| Q3 2024 | 66.95% | 95.59% | $0 | $3.3M |
| Q4 2024 | 63.71% | 95.24% | $0 | $0 |
| Q1 2025 | 61.42% | 95.29% | $0 | $0 |
| Q2 2025 | 60.59% | 94.85% | $0 | $0 |
| Q3 2025 | 62.17% | 96.44% | $0 | $0 |
| Q4 2025 | 58.75% | 95.41% | $0 | $0 |
| Q1 2026 | 54.73% | 96.19% | $0 | $0 |
| Q2 2026 | 57.97% | 96.79% | $0 | $0 |
The Peoples Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 389) · FFIEC NIC profile (RSSD 378110)